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Jean Claude Rodríguez-Ferrera M. Director comunidadescaf

The CAF Model. Jean Claude Rodríguez-Ferrera M. Director www.comunidadescaf.org. Integrational Models for low income people should be based in. 1. Economic and emotional integration 2. Multicultural relational networks 3. Individual motivation to get together/ useful services

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Jean Claude Rodríguez-Ferrera M. Director comunidadescaf

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  1. The CAF Model Jean Claude Rodríguez-Ferrera M. Director www.comunidadescaf.org

  2. Integrational Models for lowincomepeopleshouldbe based in... 1. Economic and emotional integration 2. Multicultural relational networks 3. Individual motivation to get together/ useful services 4. Exponential integration 5. Companies participation 6. Low income people as main actors

  3. The CAF Model • Members manage the organisation: they are owners and customers • 10-30 members buy shares • Members can ask for credits, insurances, employment • Benefit is distributed depending on number of shares

  4. Comingtogether: communitycredits

  5. Offerredservices

  6. CAF “EL INTENTO” Girona

  7. CAF “GRUPO DE APOYO” Barrio del Raval

  8. CAF “AYNI” Ciutat Vella

  9. CAF “HONDUCAT” Ciutat Vella

  10. Results I • More than 500 CAFs in Europe, Latinamerica and Africa (22 in Barcelona) • More than 15.000 members from 18 nationalities working together • More than 20.000 microcredits, 2 % unpayment • Credit average (Europe): 380 euros • Annual Rendibility (Europe): 16 %

  11. Results II • Self-management • Grass root organisations • High participation • Multicultural groups • Formal companies participating

  12. Next steps • Expansion: Europe, Latm and Africa through franchise • New services: housing, investment funds

  13. Thankyou www.comunidadescaf.org jeanclaude@comunidadescaf.org

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